Retirement
The 7 ETFs That Replace Your Robo-Advisor (and Save You $1,250/Year)
See exactly which ETFs Betterment and Wealthfront buy with your money, and how to replicate their portfolios yourself for nearly free.
Retirement
Know your number. Sleep better tonight
Free Calculators
Retirement Readiness Check
Monte Carlo engine with 600 scenarios, probability gauge, wealth trajectory with percentile bands. Conversational onboarding.
Social Security Optimizer
Enter your earnings history → see break-even analysis for claiming at 62/67/70. Spousal benefits, survivor benefits.
401k/IRA Optimizer
Are you leaving free money on the table? Check employer match, Roth vs Traditional, catch-up contributions, and optimal allocation.
Healthcare Cost Estimator
Project healthcare spending from retirement through end of life. Medicare coverage gaps, supplemental insurance, long-term care scenarios.
Latest Guides
View all guides Retirement
The HSA Loophole: The Only Account That's Tax-Free Going In, Growing, AND Coming Out
The HSA is the most powerful tax-advantaged account in America, and only 9% of holders use it correctly. Here's the strategy.
Retirement
92% of Fund Managers Lose to a $3 Index Fund: Here's the Data
The SPIVA scorecard shows 92% of active fund managers underperform the S&P 500 over 15 years. Here's what that costs you and what to do instead.
Retirement
Tax-Loss Harvesting in 15 Minutes: The $2,000/Year Strategy Your Advisor Charges Extra For
Tax-loss harvesting sounds complex but takes 15 minutes. Here are the exact ETF swaps, the wash sale rules, and the math on what you save.
Retirement
401(k) Guide: How to Maximize Your Employer Match and Stop Leaving Money Behind
Learn how 401(k) matching works, vesting schedules, 2025 contribution limits ($23,500), Roth vs Traditional, catch-up contributions, and common mistakes.
Retirement
When Can I Retire Early? A Realistic Guide to FIRE and Beyond
Explore FIRE, the 25x rule, Coast FIRE, Barista FIRE, healthcare before Medicare, and early Social Security claiming. Real numbers and actionable steps.
Tools & Quizzes
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Time Machine Calculator
"What will this cost in 10 years?"
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Net Worth Percentile
"Where do you actually stand?"
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The Latte Factor (But Fun)
"Pick any daily habit. We'll show you the damage. Or the opportunity."
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What's Your Time Actually Worth?
"You say your time is valuable. Let's put a number on it."
Free Resource
Retirement Masterclass
Custom modeling spreadsheet + Social Security optimizer + healthcare cost planner
- Custom retirement modeling spreadsheet
- Social Security claiming optimizer
- Healthcare cost projection tool
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